I agree with you regarding changes- i.e. grandfathering should apply to any substantial changes. Enjoy your retirement. Will be much easier if you are in a Government defined benefits scheme. Navigating financial markets, with record low interest rates and mainly overpriced assets, is difficult enough- substantial changes are something extra that we can do without in retirement (hopefully a lesson that the Labor Party has understood and the Liberal Party has clearly observed, from the last Federal election - re refundable franking credits)
